Instant Term Life Insurance – Cheap Term Life Insurance for High Risk Individuals: So you’re in the market for life insurance and you’ve been all over the internet trying to pinpoint the best form of life insurance for your needs. Perhaps, you’ve narrowed your choice down to term life insurance. With this type of life insurance policy, you’re leaving behind financial assistance for your loved ones while having the assurance of knowing how your premium fits into your budget over the course of the set coverage period.

Healthcare Overutilization And General Physical Exams — Colorado Health Insurance Insider: General physicals. They’re sort of an untouchable aspect of healthcare. Everyone – both supporters and opponents of the ACA – seems to like the idea of preventive care and physicals (the discussion about who should pay for preventive care is another matter, but it’s rare for someone to come out and say that physicals are a waste of healthcare dollars). And yet maybe we’re not really getting much bang for our buck with them. It’s counter-intuitive, and sure to raise some hackles. There are lots of comments on the article; one says “This article is irresponsible. How could routine checkups NOT be a good thing?” Of course it’s answered by another comment that points out the results of the study cited in the article that found no difference in the risk of death or the risk of death from cancer or heart disease when comparing the group that accepted regular physical exams and the group that declined them. A good reminder that we need to check our “common sense” and “everyone knows that…” ideas at the door and pay more attention to peer-reviewed science instead.

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After completing his undergraduate degree in Psychology at York University, Ray took a keen interest in the capital markets and financial planning. He has completed the Canadian Securities Course (CSC) and recently completed the Chartered Financial Analyst (CFA) program. Prior to setting out on his own ventures, Ray worked as an investment advisor and insurance consultant at various major firms. You can find him around the blogosphere and various social media sites.

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